A cost-effective, easy-to-manage bundle of business owner’s insurance. Available in 20 states. View our map for details.
Affordable insurance
Licensed advisors
No-obligation quote
Customized coverage
A cost-effective, easy-to-manage bundle of business owner’s insurance. Available in 20 states. View our map for details.
Get my quoteAffordable insurance
Licensed advisors
No-obligation quote
Customized coverage
Most small business owners need more than one insurance policy. Trouble is, working out exactly what coverage you need takes time. And when you’re buying the policies separately, the cost can seriously add up.
The good news is you could buy a business owner’s policy (or BOP) instead. It comes with general liability and property insurance as standard. Plus, a choice of optional add-ons designed with small business owners in mind.
Not only can you customize a BOP to suit your business, it usually works out cheaper than buying the policies separately. And, because it acts as one policy, it’s easier to manage too.
Why waste time and money when a BOP can save you both?
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Flexible payment options, limits and deductibles
Prices start from $37.13 a month, saving you money
Included as standard
General liability insurance
For claims you damaged someone else’s property, or caused them injury (including slander or libel). Takes care of medical expenses, your legal defense and compensation, too, if you’re liable.
Plus, up to $250 a day to cover your lost income and expenses. Even if a claim is groundless.
Property insurance
Covers a building you own or rent, as well as your business equipment and furniture, for damage or loss. Includes computers, scanners, and printers. As well as leased items and other people’s property temporarily in your care.
It also covers business equipment away from your office. For loss, accidental damage and theft for up to $10,000.
Coverage you can add on:
Business equipment upgrade
Up to $25,000 of coverage for business equipment you take out of your office.
Electronic data loss
Up to $10,000 of coverage to replace or restore electronic data lost if your computer system’s damaged by a fire, virus or malware. And lost income if you can’t do business as a result.
Equipment breakdown
Covers your business equipment for mechanical or electrical breakdown.
Crime liability
Protects you from the cost of employee dishonesty. Including theft of client property, money transfer fraud, and forgery.
Terrorism insurance
Coverage for damage or loss caused by terrorist acts.
A business owner’s policy won’t protect you from every risk your business faces. Depending on the nature of your business, there are other policies you might want to consider:
Professional liability insurance
If clients pay you for advice or a service, you need professional liability insurance. Also known as errors and omissions insurance, (E&O) it protects your business from the cost of negligence suits.
If someone claims you made a mistake, or gave the wrong advice, professional liability insurance can pay your legal defense fees and compensation, if it’s due. Even if the claim is groundless.
You can get a quote online for professional liability insurance and a BOP at the same time. Just click to add the coverage when prompted.
Workers’ compensation insurance
Most states require you to carry workers’ compensation insurance even if you have only one employee. But it’s good to have anyway. It protects you from the cost of workplace injuries, which can be crippling.
To get a quote for workers’ comp insurance, call us at 978.344.4215.
Cyber liability insurance
If you use email, own a website, or store client data, cyber insurance is a must. It can’t stop a cyber-attack, but it can give you the tools and support to help you deal with one. And pay your recovery costs.
For a no-obligation quote call us at 978.344.4215.
We can cover most industries, including:
*including event planning, life coaching, travel agencies, translators, travel agents and tutors.
But don’t worry if you don’t see your industry on this list. We may still be able to cover you. Call us at 1-866-446-4081 to find out.
Our business owner’s policy is currently available in 20 states. View our map for details.
Although it usually works out cheaper than buying each policy separately, the cost of a BOP varies from business to business.
Prices start from as little as $37.13 a month. But the amount you’ll pay will depend on:
And there are payment options available. You can spread the cost of your BOP by paying in monthly installments (with no added fees). Or pay in one lump sum, if you prefer.
There are ways you can save money on your business owner’s policy, too.
You’ll find more on who needs a business owner’s policy, as well as a handy price comparison chart, on our blog.
But as a general rule, you should think about protecting your business with a BOP if:
A business owner’s policy is currently available in 20 states.
PL, GL, BOP
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No coverage available
For help, support or just a quick question, feel free to call me.
I'm Cassandra - I'm here to help you Monday to Friday, 9am-5pm ET.
My direct line is 978 344 4232.
Cassandra Elworthy
Senior Customer Service Representative